function create_leftmenu( k )
{
	var Ref="";
	M = new Array()
	for( i=0; i<=30; i++) {
		if ( i != k )  
			{  M[i] = ''  }
		else
			{  M[i] = 'style="text-decoration: underline"'  }
	}
	
	k = "" + k
	if ( k.indexOf("ad") == 0 ) { Ref = "?ref=" + k }

	form_params = " 'cards', 'eng', '' "
   
	str = ''
	str +=	'<td valign="top" width="165">'
	str +=		'<img src="/russia/pic/com/pix-grey.gif" width="100%" height="1" alt="" vspace=5><br>'
	str +=		'<a class="leftNav" href="/russia/citione/eng/citione.htm">CitiOne</a><br>'
	str +=		'<img src="/russia/pic/com/pix-grey.gif" width="100%" height="1" alt="" vspace=5><br>'
	str +=		'<a class="leftNav" href="/russia/citigold/eng/citigold.htm">Citigold</a><br>'
	str +=		'<img src="/russia/pic/com/pix-grey.gif" width="100%" height="1" alt="" vspace=5><br>'
	str +=		'<a class="leftNav" href="main.htm' + Ref + '" ' + M[0] + '>Credit Cards</a><br>'
	str +=		'<img src="/russia/pic/com/spacer.gif" width="165" height="1" alt=""><br>'
	str +=		'<table width="100%" cellpadding=0 cellspacing=5 border=0>'
	str +=		'<tr><td style="padding-left: 5px"><a class="leftNavSub" ' + M[1] + ' href="benefits.htm' + Ref + '">Benefits</a></td></tr>'
	str +=		'<tr><td style="padding-left: 5px"><a class="leftNavSub" ' + M[2] + ' href="apply.htm' + Ref + '">How to apply</a></td></tr>'
	str +=		'<tr><td style="padding-left: 5px"><a class="leftNavSub" ' + M[3] + ' href="grace_period.htm' + Ref + '">Grace period</a></td></tr>'
	str +=		'<tr><td style="padding-left: 5px"><a class="leftNavSub" ' + M[4] + ' href="add_service.htm' + Ref + '">Equal Payment Plan Programs at a reduced interest rate</a></td></tr>'
	str +=		'<tr><td style="padding-left: 5px"><a class="leftNavSub" ' + M[10] + ' href="credit_limit.htm' + Ref + '">Limit increase</a></td></tr>'
	str +=		'<tr><td style="padding-left: 5px"><a class="leftNavSub" ' + M[5] + ' href="tariffs.htm' + Ref + '">Tariffs</a></td></tr>'
	str +=		'<tr><td style="padding-left: 5px"><a class="leftNavSub" ' + M[6] + ' href="repayment.htm' + Ref + '">Repayment</a></td></tr>'
	str +=		'<tr><td style="padding-left: 5px"><a class="leftNavSub" ' + M[7] + ' href="supplementary.htm' + Ref + '">Supplementary<br> credit cards</a></td></tr>'
	str +=		'<tr><td style="padding-left: 5px"><a class="leftNavSub" ' + M[13] + ' href="gold-world.htm' + Ref + '">World MasterCard<br>credit cards</a></td></tr>'
	//str +=		'<tr><td style="padding-left: 5px"><a class="leftNavSub" ' + M[8] + ' href="insur.htm' + Ref + '">Insurance programs</a></td></tr>'
	str +=		'<tr><td style="padding-left: 5px"><a class="leftNavSub" ' + M[9] + ' href="faq.htm' + Ref + '">FAQ\'s</a></td></tr>'
	str +=		'<tr><td style="padding-left: 5px; padding-top: 7px; border-top: solid 1px #e5e5e5"><a class="leftNavSub" ' + M[15] + ' href="mts_main.htm' + Ref + '">MTS-Citibank<br> credit&nbsp;card</a></td></tr>'	
	str +=		'<tr><td style="padding-left: 5px"><a class="leftNavSub" ' + M[21] + ' href="neste_main.htm' + Ref + '">Neste-Citibank<br> credit&nbsp;card</a></td></tr>'	
	str +=		'<tr><td style="padding-left: 5px"><a class="leftNavSub" ' + M[20] + ' href="aeroflot_main.htm' + Ref + '">Aeroflot-Citibank credit&nbsp;card</a></td></tr>'
	str +=		'<tr><td style="padding-left: 5px"><a class="leftNavSub" ' + M[16] + ' href="exp_main.htm' + Ref + '">Citi Express Card</a></td></tr>'
	str +=		'<tr><td style="padding-left: 5px"><a class="leftNavSub" ' + M[18] + ' href="stockmann_main.htm' + Ref + '">Stockmann-Citi<br>credit&nbsp;card</a></td></tr>'
	str +=		'<tr><td style="padding-left: 5px"><a class="leftNavSub" ' + M[11] + ' href="mm_main.htm' + Ref + '">Miles&nbsp;&amp;&nbsp;More<br>credit&nbsp;card</a></td></tr>'
	str +=		'<tr><td style="padding-left: 5px"><a class="leftNavSub" ' + M[12] + ' href="megafon.htm' + Ref + '">Megafon-Citibank credit&nbsp;card</a></td></tr>'
	str +=	'		<tr><td style="padding-left: 5px; padding-top: 7px; border-top: solid 1px #e5e5e5"><a class="leftNavSub" ' + M[14] + ' href="javascript: OnlineForm(' + form_params + ')" style="color: #008800">Online form</a></td></tr>'
	str +=		'</table>'
	str +=		'<img src="/russia/pic/com/pix-grey.gif" width="100%" height="1" alt="" vspace=5><br>'
	str +=		'<a class="leftNav" href="/russia/loan/eng/loan.htm">Personal Loans</a><br>'
	str +=		'<img src="/russia/pic/com/pix-grey.gif" width="100%" height="1" alt="" vspace=5><br>'
	str +=		'<a class="leftNav" href="/russia/invest/eng/invest.htm">Investment Products</a><br>'
	str +=		'<img src="/russia/pic/com/pix-grey.gif" width="100%" height="1" alt="" vspace=5><br>'
	str +=	'	<a class="leftNav" href="/russia/products/eng/savings.htm">Savings</a><br>'
	str +=		'<img src="/russia/pic/com/pix-grey.gif" width="100%" height="1" alt="" vspace=5><br>'
	str +=		'<a class="leftNav" href="/russia/atwork/eng/main.htm">Citibank at Work</a><br>'
	str +=		'<img src="/russia/pic/com/pix-grey.gif" width="100%" height="1" alt="" vspace=5><br>'
	str +=	'	<a class="leftNav" href="/russia/insurance/eng/insur.htm">Insurance</a><br>'
	str +=	'	<img src="/russia/pic/com/pix-grey.gif" width="100%" height="1" alt="" vspace=5><br>'	
	str += 	'	<br><br>'
	str += 	'	<img src="/russia/pic/eng/related_links.gif" width="100" height="12" alt="">'
	str += 	'	<img src="/russia/pic/com/pix-grey.gif" width="100%" height="1" alt=""><br>'
	str += 	'	<div style="padding: 5px 0px 5px 10px"><a href="/russia/atwork/eng/bw_cards.htm">Credit cards for your employees</a></div>'
	str +=	'</td>'

	
	document.write( str )
}